Bad auto loan - F rating with BBB Hello, I am 56 years old, employed full time at the same job for the last nine years. This is not an ordinary experience for me as I do not usually write emails to people asking for help but this is one time I am in great need and I am resorting to the net for resources that will help me find resolution with my problem. I was met with some unexpected circumstances a few months back and found it necessary to trade in a vehicle in order to get more reliable transportation. A dealership in Ohio invited me to their showroom and I purchased a van. This was my first time ever to purchase a car out of the state of Michigan. The dealership gave me no options as to what vehicle I could purchase. I was presented with a Dodge Van, taken for a test drive gave a bumper to bumper description and landed at the desk of the finance administrator. They were very typical of any sales transaction; a price would be suggested, then negotiated with the manager then back to me. Because I had a balance on my trade in I expected my payment to be a little more than normal. I thought I covered all the bases by asking all the questions that I thought to be important. I asked about how I would go about changing the title from Ohio to Michigan and was told that it was an option. I would have to go to the Secretary of State and register the vehicle and get my plates established with a Michigan tag but that the title was optional. I took his word for it after all he was giving me all the details of the transaction as we went along. At the time of the purchase I thought my transaction included tax costs for Ohio, it wasn't until I returned home and tried to register the vehicle with the SOS that I had to pay the Michigan tax and register the van including the title which came to 1500.00. Ofcourse I didn't have the funds to pay the SOS that day. I told the representative that I made the transaction in Ohio and thought taxes were paid thru the transaction of the loan. She informed me that I wasn't charged a Ohio tax because on the title it had NR typed in for non resident. I didn't know that nor would I have guessed that NR stood for non resident. I had to leave and tell her that I would have to come up with the funds. I called the dealership and asked why I wasn't made aware of the NR and the whole tax thing. Why I even bothered I don't know because they said they told me at the time of... I'm sorry but they didn't and my son (23) is my witness he was with me throughout the whole ordeal. In April I had to have eye surgery something I didn't expect and I had out of pocket costs plus I lost a whole week of work. I contacted CPS and told them in advance that I had surgery and I would be late in making the April payment. The representative sounded fair and understanding and said ok, however shortly after that the phone calls started on my phone, and I overly explained the circumstances and who I spoke with, at work - early morning and I work for a religious community that should not have to be subject to rude and invasive telephone calls. They would not stop until I sent in some form of payment which was my first pay check after I returned to work. That left me with nothing for the remainder of the week and as soon as they received the payment they began to call about the next. Because of the time frame when I was off the next payment for May came due shortly after that. I had to pay my rent which is 900 and again I explained the circumstances I was under and would fulfill my obligation to them ASAP. I was only one payment behind and you would have thought I was six payments behind and choosing not to do anything about it. The car payment itself is 600.00 - so between my rent due the first and the car payment due the 12th - I need at least 1500 on hand to cover both costs. My budget was okay until I was hit with Michigan taxes and surgery. As it stands the car still is not registered in Michigan because the 1,000.00 dollars I was saving to accomplish that was used to make a payment in a half on the van or else they were going to send a driver to pick it up. I have tickets now and I have never been in such demanding circumstances as I am now with this finance company. Before this purchase I never heard of CPS and I did go to their web site and look it over after I knew they would be doing the financing but it wasn't until now that I discovered numerous incident reports and then discovered that they have an F rating with the BBB. Before I go any further I want to say that I took what measures I thought I could within my reach to ask the Michigan SOS treasury in Lansing if I could set up a payment for the taxes and was turned down. I emailed Terry Lind the head of the SOS and she also turned me down for installment payments. I went back to the SOS to see if they would accept some type of payment plan and again no was the answer. I written to the Attorney General and our Governor. I am really over my head now because I have been ticketed my license is suspended and fines are due, I have no family resources to fall back on and feel like I was taken for the biggest ride ever by both the dealership and CPS. I realize that as an adult I have my own responsibilities within all of this however with all things considered I never thought that the outcome of all of this would be so extreme. Any type of major purchase is very stressful and when you think you covered all the bases and find out later you didn't it is even worse. I would be very grateful if you anyone could help or suggest something that will address these issues or if there is a way of getting out of the loan and then seeking auto financing Michigan without all the intimidation even with a bankrupt or bad credit I think I would still be further ahead - what happened to me probably happens to someone everyday somewhere and it is unfortunate. Thank you in advance for your time.